4695 Grace St, Capitola, CA 95010 Property Records

Santa Cruz County property record for 4695 Grace St, Capitola, CA 95010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,563 sqft · built 1988
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,000 (Jul 1997)
Tax Bill	$6,944 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-011-39`

Property Details

APN / Parcel Number

Primary APN	`034-011-39`
Alternative APN	`034-011-39-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,563 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4695 GRACE ST
City	CAPITOLA
State	CA
Zip	95010-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK O LOT 1
Legal Subdivision	CAPITOLA HEIGHTS
Legal Block	O
Legal Lot Number	1
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	2
Census Block	2003
Census Tract	121701

Owner

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4695 GRACE ST, CAPITOLA, CA 95010-2601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit BAY FCU
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1997 · Amount on Record
Deed Sale	Jul 1, 1997 · Amount on Record
Deed Document Number	199729336
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4695 GRACE ST, CAPITOLA, CA 95010-2601
Transaction Type	Mortgage
Record Updated	Oct 5, 2022
Title Company	FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4695 GRACE ST, CAPITOLA, CA 95010-2601

Mortgage

Document Number	0000026370
Date	Sep 21, 2022
Instrument	2022-0026370

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4695 GRACE ST, CAPITOLA, CA 95010-2601
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4695 GRACE ST, CAPITOLA, CA 95010-2601

Mortgage

Document Number	0000030533
Date	Jun 2, 2021
Instrument	2021-0030533

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	4695 GRACE ST, CAPITOLA, CA 95010-2601
Document Number	0000000594
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4695 GRACE ST CAPITOLA CA 950102601, CAPITOLA, CA 95010-2601

Mortgage

Document Number	0000000594
Date	Jan 8, 2018
Instrument	594

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Capitola City
Secondary School District	Santa Cruz City High School District (9-12) (09 - 12)
Elementary School District	Soquel Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$503,273 (+2%) Land $301,964 Building $201,309
2025	$6,944.00 (+10.87%) Homeowner's exemption	$493,405 (+4.04%) Land $296,043 Building $197,362
2023	$6,263.00 (+1.56%) Homeowner's exemption	$474,245 Land $284,547 Building $189,698	$1,209,510
2022	$6,167.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 752 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, GeoLinks, T-Mobile, Verizon, Xfinity.

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